For many people, this year’s 4th of July will be celebrated vastly different from previous years. Despite being in Phase 4, people not only in Chicago, but across Illinois should celebrate cautiously. Many states are seeing a surge in new cases, which threatens other states, especially during a major holiday for travel. On top of …
Understanding Sr22 policies can seem complex but in reality, they are quite simple. If a driver commits certain driving violations or lacks proper insurance a court will order them to take out an Sr22 policy. However, a driver committing other non-driving violations can also meet the requirements for issuing a policy. The purpose of this …
SR22 policies are for people whose insurance companies consider them to be high-risk. Sometimes referred to as SR22 insurance, the policy is not insurance itself, but rather proof that you are insured. It usually takes about 3 years for an Sr22 requirement to expire, however, additional offense during that time could increase the penalty. From …
Although auto insurance policy sometimes seems too expensive, everyone who drives needs one. But for people operating on a low budget, they may consider not purchasing a policy for their vehicle. However, drivers who go uninsured end up paying for it, sometimes in more ways the one. Driving without insurance is illegal in Illinois, and …
Have you heard someone say “I know when I drunk too much” or “I drive better when drunk” before? Well, hopefully, no one lets that person drive or they did not injure themselves or others because a buzzed driver driving is dangerous. A person may not notice the level of intoxication they reached before stepping …
Planning a night in the city this weekend? Likely included in your plans are transportation from destination to destination. While driving is usually people’s go-to option, if you plan on drinking, plan on not driving. Instead of taking risks such as letting a friend drive, people should consider taking a cab or rideshare. There is …
It’s safe to say no one wants to be in a position where they need to obtain Sr-22 insurance. But, sometimes people make mistakes that lead to a court-ordered Sr-22 insurance filing. The process of filing Sr-22 insurance takes about a month to go through and does not have to be frustrating or confusing. As …
High-risk drivers, those with a DUI conviction, and/or drivers who have been caught on a suspended or revoked license, know-how difficult finding auto insurance can be. This is due to the fact that those situations usually result in drivers needing a Sr-22 policy. What drivers might not know, is that there are three types of …
Most people have experienced at least a little frustration when operating on U.S. roadways. Sometimes people decide to act on this frustration creating a dangerous situation known as road rage. Although frustration is a natural reaction, for some the rage that builds up leads to an explosion of emotion. Some drivers feel wronged by others …
Although smartphones help us with various daily tasks, they also provide a devastating distraction when we drive. Not too long ago, we posted a blog about the increased penalties for distracted drivers. In this post, we want to remind drivers that they have tools on the devices that seem to be so distracting. That’s right, drivers …
Distracted driving has plagued roadways since cell phones texting became popular. Yet, for a while, insurance companies were not penalizing drivers too hard for being ticketed for it. However, since 2011, research shows that companies have skyrocketed their penalties for distracted driving by 10,000%. Unfortunately, you did read that correctly, it’s not an exaggeration in …
If you’ve ever been at-fault in an accident or committed a serious traffic violation, you likely carry Sr-22 insurance. While technically not coverage, the Sr-22 is proof that a driver is carrying at least the minimum amount of auto insurance. In many cases, drivers who commit serious violations such as speeding (20+ mph over the …
Have you ever received a high quote from an insurance company and wondered how they came up with that price. Outside of looking at your personal information, and vehicle information, companies look at the number of insurance points on your driving record. A driver accumulates insurance points through violations such as tickets and at-fault accidents. …
Have you ever wondered what the difference is between a revoked driver’s license and a suspended one? Although neither of the two is good things, they do have a small but important difference. They have similarities too, none of which are good. For one, they both mean you lose your privilege to drive, but one …
Revoked License Vs. Suspended: What’s The Difference? Read More »
If you’ve ever been ordered to carry S-22 insurance, otherwise known as a financial responsibility form, you know how long the process lasts. A court can order a driver to carry Sr-22 insurance for many reasons such as DUI convictions or reckless driving. Although the requirement to carry the financial responsibility form ends usually after …
Amongst the largest issues facing Americans today is student loans. According to the New York Federal Reserve, 44.7 million Americans have student debt, which in total comes out to over a trillion dollars. No, that is not a typo, Americans are in over a trillion dollars worth of debt in the form of student loans, …
Just in time for the holidays, Lyft, the popular ride-share company, has launched its monthly subscription service. The service offers better access to airports, special offers, and a discount on all rides. The idea behind the subscription is to build customer loyalty to people across the country. This service is perfect for those who rely …
It’s no secret that high-risk drivers pay more for their auto insurance. A driver becomes high-risk after they rack up a number of violations, cause a serious accident, driving distracted or impaired. Insurance companies view those behaviors as a high-risk to cover and some may deny you coverage due to your status and driving history. …
The list of consequences that arise both directly and indirectly from a DUI arrest and/or conviction is long. For an arrest, the police will hold the driver in a jail cell until bail is paid. In the meantime, a tow truck will take the driver’s car and impound it until the driver pays for storage …
A DUI arrest and conviction can change a person’s life dramatically. The result of a DUI conviction means you will have your driving privileges takes away for about 3 years. Additionally, a conviction means of DUI the person receives numerous fines, and may or may not serve jail time. Before the courts pass down any fines or convictions, …